First Western Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, First Western Bank & Trust of Minot, ND reported 565 mortgage applications totaling $186.6 million, down 5% from 2024. The average application was for $330,274, and applicants reported an average income of $142,504. 79% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Fargo, ND-MN (116), Minot, ND (82) and Bismarck, ND (57) (applications in parentheses).
| Mortgage Company & Address | First Western Bank & Trust 900 South Broadway Minot, ND 58701 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 565 |
| Total Mortgage Loan Application Amount | $186,605,000 |
| Average Mortgage Loan Application Amount | $330,274 |
| Highest Mortgage Loan Application Amount | $9,095,000 |
| Average Applicant Income | $142,504 |
| Highest Applicant Income | $1,685,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Western Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Crow Wing, Minnesota | 85 | $ 19,465,000 | $ 229,000 | $ 145,000 |
| Cass, North Dakota | 85 | $ 27,275,000 | $ 320,882 | $ 167,000 |
| Ward, North Dakota | 76 | $ 23,610,000 | $ 310,657 | $ 119,000 |
| Burleigh, North Dakota | 45 | $ 13,005,000 | $ 289,000 | $ 152,000 |
| Clay, Minnesota | 31 | $ 6,725,000 | $ 216,935 | $ 75,000 |
| Douglas, Minnesota | 31 | $ 7,385,000 | $ 238,225 | $ 138,000 |
| Cass, Minnesota | 20 | $ 8,180,000 | $ 409,000 | $ 184,000 |
| Morrison, Minnesota | 19 | $ 4,525,000 | $ 238,157 | $ 96,000 |
| Otter Tail, Minnesota | 13 | $ 6,075,000 | $ 467,307 | $ 279,000 |
| Morton, North Dakota | 12 | $ 4,090,000 | $ 340,833 | $ 104,000 |
| Hennepin, Minnesota | 11 | $ 2,995,000 | $ 272,272 | $ 151,000 |
| McLean, North Dakota | 11 | $ 2,865,000 | $ 260,454 | $ 185,000 |
| Pope, Minnesota | 6 | $ 1,140,000 | $ 190,000 | $ 109,000 |
| Minnehaha, South Dakota | 6 | $ 9,510,000 | $ 1,585,000 | $ 225,000 |
| Kandiyohi, Minnesota | 5 | $ 1,055,000 | $ 211,000 | $ 89,000 |
| Becker, Minnesota | 4 | $ 1,420,000 | $ 355,000 | $ 208,000 |
| Grant, Minnesota | 4 | $ 800,000 | $ 200,000 | $ 96,000 |
| Ramsey, Minnesota | 4 | $ 1,090,000 | $ 272,500 | $ 102,000 |
| Stearns, Minnesota | 4 | $ 820,000 | $ 205,000 | $ 108,000 |
| Todd, Minnesota | 4 | $ 720,000 | $ 180,000 | $ 54,000 |
| Wadena, Minnesota | 4 | $ 640,000 | $ 160,000 | $ 81,000 |
| Wright, Minnesota | 4 | $ 970,000 | $ 242,500 | $ 138,000 |
| McHenry, North Dakota | 4 | $ 1,030,000 | $ 257,500 | $ 84,000 |
| Mountrail, North Dakota | 4 | $ 1,200,000 | $ 300,000 | $ 104,000 |
| Anoka, Minnesota | 3 | $ 695,000 | $ 231,666 | $ 91,000 |
| Isanti, Minnesota | 3 | $ 8,215,000 | $ 2,738,333 | $ 94,000 |
| Meeker, Minnesota | 3 | $ 875,000 | $ 291,666 | $ 82,000 |
| Maricopa, Arizona | 2 | $ 920,000 | $ 460,000 | $ 237,000 |
| Pima, Arizona | 2 | $ 660,000 | $ 330,000 | $ 92,000 |
| Pinal, Arizona | 2 | $ 1,230,000 | $ 615,000 | $ 266,000 |
| Charlotte, Florida | 2 | $ 350,000 | $ 175,000 | $ 163,000 |
| Aitkin, Minnesota | 2 | $ 530,000 | $ 265,000 | $ 138,000 |
| Dakota, Minnesota | 2 | $ 620,000 | $ 310,000 | $ 64,000 |
| Lyon, Minnesota | 2 | $ 1,310,000 | $ 655,000 | $ 0 |
| McLeod, Minnesota | 2 | $ 300,000 | $ 150,000 | $ 116,000 |
| Nobles, Minnesota | 2 | $ 800,000 | $ 400,000 | $ 297,000 |
| St. Louis, Minnesota | 2 | $ 410,000 | $ 205,000 | $ 69,000 |
| Stevens, Minnesota | 2 | $ 270,000 | $ 135,000 | $ 61,000 |
| Traverse, Minnesota | 2 | $ 750,000 | $ 375,000 | $ 189,000 |
| Bottineau, North Dakota | 2 | $ 700,000 | $ 350,000 | $ 137,000 |
| Grand Forks, North Dakota | 2 | $ 670,000 | $ 335,000 | $ 97,000 |
| Renville, North Dakota | 2 | $ 620,000 | $ 310,000 | $ 154,000 |
| Traill, North Dakota | 2 | $ 440,000 | $ 220,000 | $ 85,000 |
| Williams, North Dakota | 2 | $ 730,000 | $ 365,000 | $ 148,000 |
| Grant, South Dakota | 2 | $ 450,000 | $ 225,000 | $ 110,000 |
| Collier, Florida | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Osceola, Florida | 1 | $ 305,000 | $ 305,000 | $ 172,000 |
| Palm Beach, Florida | 1 | $ 425,000 | $ 425,000 | $ 170,000 |
| Emmet, Michigan | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Carver, Minnesota | 1 | $ 385,000 | $ 385,000 | $ 94,000 |
| Freeborn, Minnesota | 1 | $ 155,000 | $ 155,000 | $ 61,000 |
| Houston, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 37,000 |
| Hubbard, Minnesota | 1 | $ 455,000 | $ 455,000 | $ 221,000 |
| Itasca, Minnesota | 1 | $ 455,000 | $ 455,000 | $ 127,000 |
| Mille Lacs, Minnesota | 1 | $ 385,000 | $ 385,000 | $ 193,000 |
| Norman, Minnesota | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pine, Minnesota | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Redwood, Minnesota | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Rock, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Adams, North Dakota | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Barnes, North Dakota | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Pierce, North Dakota | 1 | $ 275,000 | $ 275,000 | $ 164,000 |
| Richland, North Dakota | 1 | $ 115,000 | $ 115,000 | $ 696,000 |
| Rolette, North Dakota | 1 | $ 605,000 | $ 605,000 | $ 160,000 |
| Sheridan, North Dakota | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Wells, North Dakota | 1 | $ 215,000 | $ 215,000 | $ 71,000 |
| Multnomah, Oregon | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Mifflin, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Davison, South Dakota | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Lincoln, South Dakota | 1 | $ 9,095,000 | $ 9,095,000 | $ 0 |
| Pennington, South Dakota | 1 | $ 1,085,000 | $ 1,085,000 | $ 587,000 |
| Roberts, South Dakota | 1 | $ 235,000 | $ 235,000 | $ 78,000 |
| Collin, Texas | 1 | $ 915,000 | $ 915,000 | $ 335,000 |
Mortgage Loan Application Detail Totals for First Western Bank & Trust in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 423 | $147,825,000 | $349,000 | $9,095,000 | $145,000 | $1,685,000 |
| Refinancing | 83 | $27,335,000 | $329,000 | $3,995,000 | $141,000 | $696,000 |
| Cash-out Refinancing | 27 | $6,355,000 | $235,000 | $605,000 | $110,000 | $281,000 |
| Other Purpose | 17 | $3,565,000 | $209,000 | $695,000 | $176,000 | $938,000 |
| Home Improvement | 15 | $1,525,000 | $101,000 | $265,000 | $101,000 | $338,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 394 | $106,820,000 | $271,000 | $2,685,000 | $134,000 | $1,189,000 |
| Not applicable | 95 | $54,205,000 | $570,000 | $9,095,000 | $0 | $0 |
| Not Provided | 38 | $14,970,000 | $393,000 | $2,755,000 | $245,000 | $1,685,000 |
| Hispanic | 16 | $4,570,000 | $285,000 | $495,000 | $147,000 | $696,000 |
| Black or African American | 10 | $2,780,000 | $278,000 | $605,000 | $87,000 | $160,000 |
| Asian | 7 | $2,265,000 | $323,000 | $635,000 | $183,000 | $471,000 |
| American Indian or Alaskan Native | 5 | $995,000 | $199,000 | $345,000 | $66,000 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 483 | $164,845,000 | $341,000 | $9,095,000 | $152,000 | $1,685,000 |
| FHA-insured (Federal Housing Administration) | 44 | $11,230,000 | $255,000 | $495,000 | $96,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 30 | $8,900,000 | $296,000 | $915,000 | $113,000 | $335,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,630,000 | $203,000 | $285,000 | $77,000 | $111,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 446 | $152,090,000 | $341,000 | $9,095,000 | $150,000 | $1,685,000 |
| Application Withdrawn By Applicant | 86 | $24,740,000 | $287,000 | $1,705,000 | $125,000 | $587,000 |
| Application Denied By Financial Institution | 26 | $8,290,000 | $318,000 | $2,755,000 | $105,000 | $465,000 |
| Application Approved But Not Accepted | 6 | $1,250,000 | $208,000 | $455,000 | $113,000 | $203,000 |
| File Closed For Incompleteness | 1 | $235,000 | $235,000 | $235,000 | $51,000 | $51,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 539 | $178,315,000 | $330,000 | $9,095,000 | $144,000 | $1,685,000 |
| Credit History | 11 | $2,165,000 | $196,000 | $365,000 | $92,000 | $166,000 |
| Debt-To-Income Ratio | 9 | $4,845,000 | $538,000 | $2,755,000 | $119,000 | $465,000 |
| Other | 4 | $950,000 | $237,000 | $395,000 | $87,000 | $113,000 |
| Collateral | 2 | $330,000 | $165,000 | $305,000 | $149,000 | $233,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Western Bank & Trust's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Western Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in North Dakota, download the full spreadsheet
with aggregated HMDA statistics today.
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